Our approach to investing recognizes the unique needs of each client. Before making recommendations, we take the time to thoroughly understand your long-term goals and tolerance for risk.
STEP 1: We start by listening
Everyone’s financial situation is unique, so we work closely with you from the beginning to clearly define your goals and objectives. We learn as much about you as we can in order to create a tailored investment strategy for you.
STEP 2: We develop an asset allocation
The guiding principle of our investment philosophy is asset allocation. Academic studies conducted over the last twenty years have shown that the asset allocation decision is the most important variable in determining the long-term return from a portfolio of securities. The percentage of your dollars invested in stocks, bonds, real estate and cash will far outweigh the effects of individual security selection and market timing.
STEP 3: Investment selection and diversification
Once your asset allocation is determined, we develop a customized portfolio designed to both enhance returns and control risk. This is accomplished by selecting the best investments in each category while diversifying your portfolio among investment styles and industry sectors.
STEP 4: We monitor, manage and rebalance your portfolio
Our portfolio managers continuously monitor and manage your investment portfolio. If a necessary change is identified, your portfolio manager will make the appropriate adjustments. As new money is deposited into your account, your portfolio is reviewed to ensure the deposit is properly allocated. Since asset allocation is not a one-time event, we also periodically rebalance your portfolio. We also realize that the after-tax rate of return is your greatest concern, so. our portfolio managers and CPAs work hard to minimize taxes in your portfolio.
We are firmly committed to keeping you informed and involved in the wealth management process.
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